From now to 31 Oct 2022, first 600 new commercial customers to
1
Successfully open Biz Virtual+ Account; and
2
Successfully apply for Commercial World Mastercard
can enjoy full waiver of account opening administrative fee (HKD1,200) when you apply the both in one go online*.
Terms and conditions of the above offers
Two priorities to start a business – after business registration, opening a business account will be the next!
Whether you are a Sole Proprietorship or a company with multiple shareholders, a limited company or an unlimited company, you can open your company account fully online via desktop or mobile1 in as fast as 3 days2,
and first 24-month fee waiver on Monthly Fee*!
Open your company account fully online via desktop or mobile is equally convenient in 3 steps!
Step1
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Step2
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Step3
1. Submit an application by providing your company's details
2. Complete digital ID verification
3. Complete e-Sign
Apply for the essential services in one go to level up your business!
card
Apply for Company Account + Company Card

First 600 new commercial customers to set up business account and Commercial World Mastercard online in one go to enjoy full waiver on account opening administrative fee (HKD1,200)*!
Apply now
loan
Apply for Business Account + Business Loan

Apply for Business Loan online to know the result in 3 minutes. Start two applications simultaneously!
Apply now
Welcome offers worth more than HKD36,888 for essential banking services and Business e-Banking!
First 600 new commercial customers to successfully open Biz Virtual+ Account and apply Commercial World Mastercard online in one go can enjoy full waiver on account opening administrative fee (HKD1,200)*!
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Hang Seng Commercial World Mastercard and Virtual Card
50% off set up fee^ for Virtual Card Service

Successfully apply Business Integrated Account and Commercial World Mastercard concurrently online to enjoy $500 Cash Dollars Rebate and 2 years annual fee waiver on vour cards

2.8% unlimited rebate# for foreign currency online spending at the designated overseas registered merchants
Learn more
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SME Easy Collection Solution
Embrace the opportunity of the Government’s Consumption Voucher Scheme

Exclusive offers for Hang Seng Commercial Customers provided by QFPay worth up to HKD19,000, including Discount on first-time set up fee, annual fee and etc.
Learn more
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UnionPay RMB Diamond Commercial Card
Successfully apply to enjoy the first 2 years’ Annual Fee Waiver and HKD400 Mannings Cash Vouchers
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Online Time Deposit
Enjoy preferential time deposit interest rate for setting up time deposit with new fund via Business e-Banking / Business Mobile App
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Online Remittance
Remit online to save up to 55% transaction fee

Enjoy the first 2 months’ handling fee waiver for Inward Remittance and online Outward Remittance transactions
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Payroll
Enjoy free payroll services

Integrated autopay solution provides you a hassle free service to generate tax returns for your staff
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Foreign Exchange
Up to 140 basis points exchange rate premium for converting major foreign currencies into Hong Kong Dollars
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Insurance
People Protection: BUPA Individual Medical Insurance premium discount offer

Provide protection for company’s shareholders, directors, employees and their family members at prevailing preferential offer
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Investment
Enjoy HKD0 brokerage fee on buy and sell trades of Hong Kong Stocks, SSE and SZSE Securities

50% off on subscription fee for investment funds distributed by Hang Seng Bank
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Trade
30% off the first year’s handling commission for Bank Guarantee (up to HKD800) [Applicable to Integrated Business Solutions Account only]
Terms and conditions of the above offers

*Only applicable to Biz Virtual+ Account
The original Account Opening Administrative Fee for Biz Virtual+ Account is HK$1,200. If the Biz Virtual+ Account is opened via remote account opening and without Face-to Face appointment, half waiver (HK$600) will be offered for Account Opening Administrative Fee.
Application Requirements: (i) All connected parties of the Applicant such as directors, shareholders and authorized signers shall be as HKID cardholder(s), with single layer ownership. Place of incorporation, registered address, business address and correspondence address should all be in Hong Kong; (ii)The Applicant’s annual sales turnover meets with Hang Seng’s designated level; (iii)The Applicant is required to apply for Hang Seng Business e-Banking separately. The Maximum Daily Limit(s) under Hang Seng Business e-Banking either Fund Transfer to Designated Beneficiary Accounts or Fund Transfer to Non-Designated Beneficiary Accounts should not be over HK$200,000 each; and (iv) The Applicant has not entered into and will not enter into the Trade Finance General Agreement with Hang Seng.

^The net set up fee for Virtual Card Service after 50% off is HKD2,500. The promotion period is from 13 July 2022 to 31 December 2022.

#2.8% rebate includes 2% cash rebate promotion, 0.4% rebate for all foreign currency online spending and 0.4% Cash Dollar rebate for every spending.
Two types of Integrated Business Account to suit different business needs!
Compare accounts
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Biz Virtual+ Account
Suitable for start-ups or businesses that are started to grow
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Integrated Business Solutions Account
Suitable for SMEs and well-established corporates who require a full range of banking services to meet sophisticated business needs
Looking for better Business e-Banking for your business? Hang Seng is here to support!
Learn more
Remarks:

  1. To enjoy remote account opening service, the applicant’s connected party(ies) must hold a Hong Kong Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong when submitting the application, completing digital ID verification and e-Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited.
  2. For eligible customer(s), the Biz Virtual+ Account can be opened in as fast as 3 business days/ the Integrated Business Solutions Account can be opened in as fast as 5 business days upon performing e-Sign by customer. Customer(s) will receive a SMS notification for e-Sign after the (1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face-to-face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability.